Lock in lifetime founding member pricing — available for a limited time. See plans
AI-Powered Financial Intelligence
Lumen connects your accounts and uses AI to answer any question about your spending, cash flow, and net worth — instantly.
14-day free trial. Cancel anytime.
Bank-level security. 12,000+ institutions supported.
No spreadsheets. No manual entry. Connect your accounts and get instant clarity on your finances.
"How much did I spend on Uber this year?" "Am I spending more than last month?" Ask in plain English — Lumen queries your data and responds with real numbers.
Spending broken down by category, merchant, and time period. Spot trends, catch anomalies, and understand your habits at a glance.
Income vs. spending, visualized by week, month, or quarter. A running net line shows whether you're gaining or losing ground.
Assets minus liabilities, reconstructed over time from your transaction history. See the trend — not just today's number.
Model life events — buying a home, changing jobs, having kids, retiring — and see how each decision shapes your money over time. Powered by Monte Carlo simulations with your real financial data.
Ask "what if" questions
"Can I afford a $500k house?" "What if I max out my 401k?" Get instant projections grounded in your actual numbers.
See the range of outcomes
Not a single guess — a probability distribution of where you could land based on thousands of simulations.
Plan major life decisions
Retirement, career moves, big purchases. Understand the trade-offs before you commit.
Net Worth Forecast
$842,000
Projected by 2035
85% confidence
Monte Carlo
No importing CSVs. No categorizing transactions by hand. It just works.
Link your banks, credit cards, and loans through Plaid. We support 12,000+ institutions.
Your spending, income, and balances update daily. Categories are assigned by AI.
Open the AI chat and ask anything. "Where did my money go?" "Am I on track?" Lumen knows.
Join now and keep founding member pricing for life — even as we add forecasting, budgeting, and more. Every plan starts with a 14-day free trial.
Locked in for life — limited time
Best value — locked in for life
Just $4.92/mo — save 59% vs. monthly
All plans include a 14-day free trial. For a limited time, both monthly and annual rates are locked in for life as founding member pricing — your rate will never increase, even as we add new features.
Lumen uses Plaid to connect to your bank — the same technology trusted by Venmo, Robinhood, and Coinbase. We never see your bank credentials. All data is encrypted with AES-256, and we only request read-only access to your transaction history.
AES-256
Encryption
Read-only
Access
Never stored
Credentials
12,000+
Institutions
Connect your accounts and ask your first question in under a minute.
Start Free Trial14-day free trial. Cancel anytime.